<Material>
  <Main Type="Diffuse" PhysicsMaterial="Default" UseAlpha="False" DepthTest="True" />
  <TextureUnits>
    <Diffuse File="material_floor.jpg" Compress="false" Type="2D" Mipmaps="true" Wrap="Repeat" />
    <NMap File="material_floor_bump.jpg" Compress="false" Type="2D" Mipmaps="true" Wrap="Repeat" />
    <Specular File="splat3.jpg" Type="2D" Mipmaps="true" Wrap="Repeat" />
  </TextureUnits>
</Material>